Indie-Cater

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Indie-Cater new ideas derived from another shower ĬÈÏ·ÖÀà (381) 2004 Äê 12 Ô Sun Mon Tue Wen Thu Fri Sat 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 ×îĞÂÎÄÕ °á¼Ò »ØÀ´ÁË ¾ÍÊÇΪÁ˼ÍÄîÒ»Ï塃 ÂÃĞĞÆó»®ÈÕÖ¾ ×î½ü¼¸ÌìµÄͼ Àñ°İÌìµÄÂÃĞмƻ® INTERSTELLA 5555 .X. DISCOVERY ¶¼ºıÍ¿ÁË ÖÜÎå³ö½Ö¹äÒ¹µê¼Ç ROYKSOPP @ THE HENRY FONDA THEATER 03/05/03 ×îĞÂÆÀÂÛ jr05 : Êǵģ¬ƒÉ‚€‚í¶¼°á. bluetears : ÄãÁ½¸ö¼Ò¶¼°á°¡ º. jr05 : cheers with it. sivi : hehe,heaven day. jr05 : ºÇºÇ£¬Í¦×¢Òâϸ½Ú. reginadf : ±È½Ïϲ»¶Â·±ßµÄĞ¡. jr05 : ºÃÊǺÃŶ£¬µ«ÊÇÇ°. »¶×Ó : ÒªÂÃÓÎÁË£¬ÕæºÃ£¡. jr05 : ûʲô^_^. jr05 : ÄãµÄÃû×ÖÌ«ºİÁË£¡. Á´½Ó WRC official ÌÇËâ ÎÒµÄÏà²á ÈõÖÇĞ¡°Ë OL»¶×Ó PASSBY ʦ¸µ ±±Å·Ñ¾Í· ÈğµäÈËͼ²á ½¿Ğ¡Ááçç ÉñÏɽã½ã ÉñÏÉÏà²á ²¨²¨Ë¾»ú ²¨²¨µÄÏà²á ÄÌÂè ÄÌÂèµÄÏà²á Ğìì³ ZEN MIX ²¡Ì¬´óÎÀ ¿ÂÌáÀÏ´ó MECCA ˵ÊǸöÑİÔ± ELECTRO ZINE Íæ¾ß»úÆ÷ PINK BIKINI Æ»¹ûÒ§Ò»¿Ú ¿ÉÀÖè ³è¶ù½ã½ã she is a cat FUNKY ·¡Ğ¡Á½ µ¶Ç¹BLUE ±ğµÄ³æ×Ó Ëé²£Á§ ²æ²æ ÏÄÌìĞ¡»¨ Éî˼ÊìÂÇ ×ß×ß×ß ¼ÌĞø¼ÌĞø ×ÏÉ«ÓÂ¸Ò ºóÑüÂÒÌí ¹Öè ZENOBIA Å®Íõ±İÏ ³ö×ßµÄÍÃ×Ó ²»³ĞŵÌõ¿î£º Disclaimer: ±¾²©¿Ë²ÉÓúϷ¨ÕªÂ¼³ÌĞò This Web-Log adopts legal reference procedure ·ÇÉÌÒµ»ò·Ç»úÃÜ×ÊԴժ¼ˡ²»Ìáǰ֪ʠCitation of Non-commercial or/and Non-confidential resources will NOT be pre-notified ÈôÓĞÒÉÒåÇë×ÉѯÄúµÄÂÉʦ Please consult at your lawyer's if any problem occurs ËùÓоÀ·×¾ù·Ö±ğÓ¦ÓÃά¶àÀûÑÇÊ¡¼°°Ä´óÀûÑÇÁª°î·¨ÂÉ All affairs refer to Victorian State and/or Australian Commonwealth Law respectively ´æµµ 2004-11-09 06:44 - [ ĬÈÏ·ÖÀà ] ÖصãÀíÂÛ ÓúìÉ«±ê³ö ·Ç³£Í¬Òâ ÓÃÂÌÉ«±ê³ö ¸öÈË·´¶Ô ÓÃÀ¶É«±ê³ö Asia's killing machinery still runs hot By Michael Backman Asia Online November 9, 2004 The impending killing of Melbourne-born Nguyen Tuong Van, 24, by the Singapore Government after he was caught in Changi Airport with a third of a kilogram of heroin highlights one of Asia's great paradoxes: almost everywhere the rule of law is weak yet the one legal procedure in which it leads the world is execution . It's a pertinent matter for business, now corporate social responsibility is in vogue and companies need to be more mindful of the ethics of the regimes of the countries in which they invest . Every Asian country other than Cambodia has the death penalty . Evidently, Cambodia lost the taste for it after the Pol Pot years. Asia's governments are active executioners too, accounting for as much as 80 per cent of all the world's judicial executions . This contrasts with Europe, where execution is banned and European Union membership requires its abolition . Turkey, for example, abolished the death penalty in 2002 to improve its chances of being admitted to the EU. But no such enlightenment in Asia . China routinely executes hundreds, sometimes thousands, of its citizens each year. This when it has one of the world's worst legal systems . There were 27,120 death sentences reported in China's official media in the 1990s, and more than 18,000 confirmed executions. There are more than 50 crimes punishable by death, including economic crimes such as bribery and corruption. But, per capita, it is Singapore that is world leader in execution . The annual average number of executions in Singapore in recent years is more than 30. But in absolute numbers Singapore even beat the US in 1991: 76 to 31, even though its population of 4 million is more than 60 times fewer than that of the US. More than 400 people are known to have been hanged in Singapore since 1991. A serious matter you'd think. But when Singapore's then prime minister was asked last year on BBC television how many people his government had executed so far that year, he didn't know. Most executions in Singapore are for drug offences . Possession of half a kilo of cannabis is defined as narcotics trafficking, and carries the death penalty. In the Netherlands, such possession would probably qualify you for a small-business award. There are 782 coffee shops in the Netherlands that legally sell marijuana and hashish along with coffee, according to the Dutch Justice Ministry . How do Asian governments kill those that they condemn to death? Executions take place on a Friday in Singapore, before dawn, at Changi Prison, using the "drop" method, as opposed to the "hoisting" method. The Philippines uses lethal injection. China also occasionally uses lethal injection , but the more usual method is shooting, as in Taiwan and Vietnam . But whereas Chinese kill by a single bullet to the back of the head, Vietnam and Taiwan use conventional firing squads . Vietnam uses them a lot. And often in public . Thailand used to use a lone executioner armed with a machine gun . Lethal injections are used now . India passes death sentences but rarely enforces them. Usually it's commuted to life imprisonment . However, an execution in West Bengal in August broke a de facto moratorium on executions that had existed since 1997. Indonesia infrequently carries out the death penalty although it says it intends to execute more in relation to drug cases . An execution was carried out recently in Medan. And prosecutors have indicated that they will seek death for Brisbane's Schapelle Leigh Corby, who was arrested last month at Bali airport allegedly with 4.1 kilograms of marijuana. People are sometimes hanged in groups in South Korea . There was one morning in 1997 when 23 people were hanged. But executions ceased from early 1998 to early 2003, when Kim Dae-jung served as president. Kim, a former dissident and Nobel Peace Prize winner, had once been on death row himself . In Japan, prisoners are only told of their executions (by hanging) hours before they are carried out . Those condemned are prone to wonder if each day is their last. And the short notice denies them the right to see relatives one last time or to consult lawyers. One would hope that governments that kill would have a sound legal system before doing so . But even Singapore's rule of law is not all it should be . There is no trial by jury. Judges decide cases, usually acting alone . There are copious laws on how the media should be run but there are unwritten laws , too, on how the news should be covered. The Government has out-of-bounds topics but then refuses to enshrine in law what those boundaries are. The Government's use of executions appears to be one of the out-of-bounds topics. Grumblings are heard too that the law is not applied equally among the races . Around 77 per cent of the population is ethnically Chinese, and it's sometimes said non-Chinese get harsher punishments . A recent oft-cited case involved an Indian TV presenter who was given a surprisingly stiff jail term for what the judge determined was rape in a case many did not see as quite so clear cut. Patchy, inconsistent and sometimes not even codified: that is Singapore's legal system, one of Asia's best. A rocky platform surely from which to end lives. michaelbackman@yahoo.com ÔĶÁÈ«ÎÄ | ÆÀÂÛ(0) | ÒıÓÃ(0) jr05 @ 2004-11-09 06:44 | ±à¼­ 2004-11-09 06:26 - [ ĬÈÏ·ÖÀà ] ÖصãÀíÂÛ ÓúìÉ«±ê³ö ·Ç³£Í¬Òâ ÓÃÂÌÉ«±ê³ö ¸öÈË·´¶Ô ÓÃÀ¶É«±ê³ö Salt nightclub link to high-rise killing By Andrea Petrie, John Silvester November 9, 2004 Ambulance staff rush one of the shooting victims from the Lygon Street building. Photo: Supplied Police are investigating a possible link between a double shooting in Carlton yesterday and a fatal stabbing at the infamous Salt nightclub exactly a year earlier. One man died and another was seriously injured after three Asian men were let in to a 12th-floor housing commission flat and opened fire without warning. The dead man, a 21-year-old from St Albans, was at the Salt nightclub in South Yarra a year ago when a teenager was fatally stabbed. Police are investigating the link to the nightclub killing as one of several motives for yesterday's shooting. They are also investigating a possible connection with a stabbing in Abbotsford 24 hours earlier that left a man with a severed spinal cord . The double shooting could have been a payback for the Abbotsford stabbing and part of an escalating war over drugs between rival Asian gangs. Detective Inspector Steve Francis from the homicide squad said five Asian men were inside the flat in Lygon Street when three men were let in about 1am and started shooting. Two men were shot in the head. A 19-year-old North Melbourne man remained in a stable condition in the Royal Melbourne Hospital last night after undergoing surgery. Police said the flat had been used to deal drugs and had previously been raided . In the earlier stabbing incident, a 26-year-old man was attacked by up to 10 Asian men outside a karaoke bar in Victoria Street, Abbotsford, between 1.30 and 1.40am on Sunday. A friend drove him to St Vincent's Hospital before he was transferred to the Austin Hospital, where he remains in a serious condition. The Asian squad has been called in to help with investigations into both incidents . On November 8 last year, 19-year-old karate instructor Quang Minh Tran died after being stabbed outside the Salt nightclub in a brawl involving 30 men from rival Asian gangs. Some were armed with knives and nunchukkas. It was the fifth death linked to the club in three years. A 28-year-old Footscray man, Thach Kim Hong, has been charged with Mr Tran's murder and another man, Hung Le, 19, of St Albans, was charged with wounding two others. Hong was remanded in custody and Le was bailed despite police warnings of revenge attacks. Both will appear at committal hearings next month. Police quizzed several people from the flats yesterday, including a man who clutched a piece of tape to an apparent wound on his neck. A spokeswoman for State Housing Minister Candy Broad said counselling had been offered to residents at the flats, particularly those who lived on the 12th floor, but there were no plans to upgrade security. She said five security guards patrolled the Lygon Street flats each night and, while safety was a priority , the residents had made it clear that they did not want to live in a fortress. VIOLENT HISTORY JULY 21, 2001 ¡¤ East Timorese man David Lay, 22, stabbed to death on the dance floor at Salt, two days before his wedding. JULY 8, 2002 ¡¤ Huy "James" Huynh, 19, hacked to death near the Yarra River after a fight at Salt. His cousins, Viet Huynh, 25, Nam Huynh, 21, drown in the Yarra River when pursued by sword-wielding clubbers. AUGUST 19, 2003 ¡¤ Magistrate Lisa Hannan commits Cuong Quoc Lam, 24, of Sunshine, and Hung Tu Van, 26, of Footscray, to trial over the murders of Huynh and both his cousins. Linh Van Nguyen, 24, of Altona Meadows, Thanh Nha Nguyen, 23, of St Albans and Long Tanh Tran, 21, of Footscray face one murder charge. A sixth man, Tuan Quoc Tran was bailed on a charge of affray. No charges have yet been laid over Lay's death. NOVEMBER 8, 2003 ¡¤ Quang Minh Tran, 19, stabbed in the chest at 2.30am outside Salt. MARCH 19, 2004 ¡¤ Thach Kim Hong, 28, of Footscray, charged with affray and the murder of Tran. MAY 14, 2004 ¡¤ Salt nightclub stripped of its liquor licence by Victorian Civil and Administrative Tribunal on application from Stonnington City Council. Anyone with information should contact Crime Stoppers on 1800 333 000. Quang Minh Tran, who died after being stabbed outside the Salt nightclub in South Yarra on November 8 last year. Police believe this week's shootings may be linked to his death. Photo: Supplied

My Comments: These people are Viet, most of them were refugees, u shouldnt say asian man, u should say former viet refugee or viet man, they were not educated, they dont have any standard value judgement. Sorry i might look like a racist talking like this, but only to secure the good reputation of chinese and other irrespective asian residents in Melbourne area. ÔĶÁÈ«ÎÄ | ÆÀÂÛ(0) | ÒıÓÃ(0) jr05 @ 2004-11-09 06:26 | ±à¼­ 2004-11-09 05:55 - [ ĬÈÏ·ÖÀà ] ÕæÊdzöÆæµÄÔçÆğ°¡£¬½ñÌ쾹Ȼ¿´µ½Ô糿8µãµÄÌ«Ñô£¬Ôç¼äµÄĞÂÎź͹«Â·É϶ѻıÈçÉϸÏ×ÅÉÏ°àµÄ³µ³±¡£ ¿´ÊÇʱºò˦µô֮ǰµÄÄÇÌ×´óѧÉú×÷Ϣʱ¼ä£¨10µã»òÕß12µãÆğ´²£¬2µã»òÕß4µã˯¾õ£©£¬²ÉÓÃÒ»ÏÂеÄÉç»áÈË×÷Ϣʱ¼ä£¨7µã»òÕß8µãÆğ´²£¬11µã»òÕß12µã˯¾õ£©£¬ºÍÉç»áͬ²½»áÈÃÈËÓб»±Ş²ßµÄ¸Ğ¾õ°É£¬Ğ§ÂÊÒ²»á¿ìºÜ¶àµÄ˵¡£ Ô糿¾¹È»»¹ÊÇûÓĞ´´ÒâµÄ³ÔTOM YUM£¬ÒòΪ×òÌìÂòµÄTHICK RICE NOODLEÕıºÃ·ÖÈı¶Ñ£¬·Ö±ğÊÇ×òÌìÖĞÎ磬×òÌìÍíÉϺͽñÌìÔ糿³Ôµô¡£ÍµÀÁµÄ˵£¬ÒòΪTOM YUMµÄºìÓÍÍë±ØĞëµ±³¡Ï´¸É¾»£¬·ñÔò¡­¡­¾Í»áÓÀÔ¶±ä³ÉºìÓÍÍë¡£^_^ ×Ô¼º×öÁËÒ»±­ESPRESSO£¬ÆäʵºÜ¼òµ¥£¬¾ÍÊÇ°ÉÎŞÖ¬Å£Ä̼ÓÈÈ£¬È»ºó°ÉNESTLEµÄESPRESSO PACK¼Óµ½ÀïÃ棬½Á°è£¬½Á°è£¬±ßºÈ±ß½Á°è¡­¡­È»ºóÕÅ¿ª×죬µ¹½øÈ¥£¬±Õ×죬ÏíÊÜ¡£ Àë17ºÅ»¹Ö»Óв»µ½Ò»¸öÀñ°İµÄʱ¼äÁË£¬¿´À´¸´Ï°Ò²Òª¸ü¼Ñ×¥½ô²Å¿ÉÒÔ¡£²»ÖªµÀMARIEÓĞûÓĞ׼ʱˢĞÂÕâ±ß£¬Èç¹ûÄ㻹ûÕÒµ½¹¤×÷µÄ»°£¬ÊÔÊÔÄϲ¿µÄÒ»¼Ò7-11°É£¬Î»ÖÃÔÚBLEGRAVEÏßµÄBURNLEYÕ¾£¬Ò»³öÕ¾±ã¿ÉÒÔ¿´µ½¡£ÄÇÊÇÒ»¼ÒÖйúÈËĞ¿ªµÄ7-11£¬¾İ˵ËûÃÇÊÇÍ·Ò»´ÎÉæ×ãÊ¿¶àµê£¬Ã»Ì«¶à¾­Ñ飬µêÃæÓÖÊ¿¸Õ¿ª£¬ËùÒÔ¶Ô¹ÍÔ±ÒªÇó²»»áÌ«¸ß£¬Äã¿ÉÒÔÈ¥ÊÔÒ»ÏÂŶ¡£±¾À´ÊÇÅóÓѵÄÅóÓѽéÉÜÎÒÈ¥µÄ£¬¿ÉÊÇ»¹ÓĞ¿¼ÊÔÒªSITËùÒÔÏ£ÍûÄãÄÜÈ¥ÊÔÊÔ¡£ ¿É¶ñ°¡£¬Ï´ο¼ÊÔÒ»¶¨²»ÒªDEFER£¬µ«Å¼ÓÖÆ«Æ«ÀÏÊÇÔÚ¿¼ÊÔµÄʱºò»á½ôÕÅ»òÕßÉú²¡¡£ ´ğÓ¦SIMONEͬ־µÄÍâ³ö²É·çÊÂÒËһֱûӦÑû£¬Ö÷ÒªÔ­ÒòÊÇż̫ÀÁÓÖFREESTYLE°É£¬ÕæÕıҪż¿æ×Å´ó¶ÑÏà»úÆ÷²Ä³öÈ¥²É·ç£¬ÎÒÏë³É¾ÍÒ»¶¨ÊÇÁãµ°µÄ°É¡£ ºÃÁË£¬Æğ´²ÒѾ­Ò»¸ö¶àСʱ£¬Òª¿ªÊ¼Å¬Á¦ÁË£¬¸Ê°Ëµù£¡ ÔĶÁÈ«ÎÄ | ÆÀÂÛ(0) | ÒıÓÃ(0) jr05 @ 2004-11-09 05:55 | ±à¼­ 2004-11-08 19:50 - [ ĬÈÏ·ÖÀà ] ÖصãÀíÂÛ ÓúìÉ«±ê³ö ·Ç³£Í¬Òâ ÓÃÂÌÉ«±ê³ö ¸öÈË·´¶Ô ÓÃÀ¶É«±ê³ö China: output may beat demand 08nov04 MINING companies will be running the slide rule back over their forecasts today after China warned its iron and steel production capacity may exceed demand as soon as 2007 . " Product prices, scale of production and the level of investments are in a bubble stage ," China's State Information Centre said. " There may even be an oversupply situation developing ." The prediction could come as a shock for Australia's big resources exporters who have pegged strong growth forecasts on the assumption that China's hunger for iron ore would be insatiable for much longer . BHP has committed a further $US575 million ($770 million) to expanding its WA iron ore operations by 8 million tonnes from the 110 million tonnes it will shift this year. Rio Tinto will dig up 116 million tonnes of Pilbara dirt by late 2005 while Hope Downs and Andrew Forrest's Fortescue Metals are among a string of other companies that signed big contracts to supply China. Iron ore is at record prices and China is pivotal to these producers as it uses more steel than the US and Japan combined . The Chinese government has been trying to dampen investment in steel mills amid other measures to slow rampant economic growth and avoid a much-talked about "hard landing" for the world's boom economy . The government will also cut its spending next year, saying as the fiscal adjustments take hold oil consumption growth should slow to 6.7 per cent in 2005 from 20 per cent this year . ÔĶÁÈ«ÎÄ | ÆÀÂÛ(0) | ÒıÓÃ(0) jr05 @ 2004-11-08 19:50 | ±à¼­ 2004-11-08 19:27 - [ ĬÈÏ·ÖÀà ] ÖصãÀíÂÛ ÓúìÉ«±ê³ö ·Ç³£Í¬Òâ ÓÃÂÌÉ«±ê³ö ¸öÈË·´¶Ô ÓÃÀ¶É«±ê³ö RBA data a clue to rates rise By Rebecca Urban November 8, 2004 Home owners will know whether to brace themselves for a pre-Christmas interest rate rise after the Reserve Bank of Australia releases its quarterly economic statement today. The statement, which assesses economic conditions and prospects for inflation and output growth, will be closely scrutinised for any shift in sentiment about interest rates. Much has changed since the RBA's last monetary policy statement in August and most economists are tipping it to tone down its previously aggressive stance towards the prospect of increasing interest rates during this phase of economic growth. The rising Australian dollar, higher oil prices, fall in US and Australian 10-year bond rates, softening housing market and disappointing growth in retail sales will form the basis of the RBA's comments. Some economists believe the bank continues to be concerned by credit growth, which has slowed from its peak but remains above what is widely considered to be sustainable. Interest rates have not been lifted since December. World head of economics at Westpac Bank Bill Evans said while the RBA rarely made mistakes in its carefully worded statements, he suspected it might regret alluding to an impending interest rate rise in its previous policy. He said given the softening of recent domestic data, the bank would quietly back away from such a sentiment. "Overall, the tone of the statement will be less hawkish than August while making it clear that inflation is forecast to rise and policy remains mildly accommodative ," he said. Goldman Sachs JBWere senior economist Tim Toohey said he believed that the economic developments of the past three months could result in a more neutral stance for monetary policy. "Much has changed since the RBA famously declared in August that 'it would be surprising if Australian interest rates didn't have to increase further at some stage in the current economic expansion'," he said. "From our perspective we can identify few reasons for why the RBA should raise interest rates in 2004 or in 2005," Mr Toohey said. The monetary policy statement is the first economic indicator for investors to digest this week. Also due are October job advertisements from ANZ Bank, the National Australia Bank's monthly business survey, consumer sentiment figures and housing finance data. The Australian sharemarket is coming off a series of record highs , as well as a strong close on Wall Street on Friday, and a swag of corporate news from blue-chip companies will influence whether local indices continue to track upwards. Westpac and National Australia Bank announce their earnings this week, as does ResMed, CSR and James Hardie. Christmas rate rise unlikely November 8, 2004 - 1:27PM RBA: Quarterly statement The Reserve Bank has given home owners an early Christmas present by effectively putting off an interest rate rise until well into next year. In its quarterly statement on monetary policy released today, the bank seemed to play down higher rates in the immediate future but warned they would have to rise sometime. It said although inflationary pressures were increasing, the hike in rates in November and December last year had done their job, taking pressure out of the over-heated housing market. And that translates into no increase in interest rates when the Reserve Bank board meets in December. "While there is no pressing need for higher interest rates at this stage, it continues to appear likely that the economy will require higher interest rates at some stage of the current expansion," it said. For those in the property market wanting to sell, the Reserve said the fall off in prices was progressing quietly with little sign of a resurgence. It said there was little risk of the bottom falling out of the market. "The adjustment to date has been an orderly one, so that the risk of an uncomfortably sharp decline in house prices does not appear to be large, though equally there does not appear much risk of a renewed upsurge at present," it said. "In addition to this adjustment occurring in the housing market, there has been a welcome slowing in household credit in recent months, following the earlier declines in loan approvals." The bank said although the spike in oil prices was expected to dampen global growth, other commodities that Australia exports in large quantities had also enjoyed high prices in recent months. Strong growth among Australia's major trading partners should underpin continuing demand, and high prices, for the nation's most important exports. But the Reserve warned the post-drought improvement for farmers was likely to ease, as volumes and prices started to drop. In terms of Australia's trade deficit, the Reserve expects the current account deficit to remain at a high six per cent of GDP. Treasurer Peter Costello said the Reserve had confirmed inflation was within the target band of two per cent to three per cent . The biggest challenge now was oil prices but even these had fallen slightly in the past week. "It appears punitive petrol prices have dampened consumption over recent months," he told reporters. "It's in nobody's interest to have these high oil prices and we look forward to a readjustment in the world oil market and some relief coming for motorists at the bowser in the months which lie ahead."

• AAP Lower rates up for grabs 07nov04 The Reserve Bank may have left official interest on hold last week but canny home buyers can find their own rate cut . Several non-bank lenders are offering variable interest rates as low as 6.05 per cent , more than a percentage point less than the average bank rate of 7.07 per cent. The saving on a $200,000 loan is $128 a month, according to Infochoice analyst Denis Orrock. Over 25 years the saving is $33,340. Meanwhile, the pause in official rates has opened a new window to lock in competitive fixed interest deals . Most lenders are offering loans fixed well below the standard variable rate . The best three year rates start as low as 6.49 per cent, while the most competitive four and five year deals begin at 6.69 per cent. Mr Orrock said fixing at least a portion of their loan may benefit some borrowers, especially those who value certainty in repayments . But borrowers who opt for variable rates on a cheaper loan can also end up better off, offsetting exit fees when they switch to lenders with lower interest rates . Mr Orrock said competition among mortgage providers was increasing in the softer property market. "Borrowers who don't do their homework, or who don't make make sure their broker is doing it properly for them stand to lose a fortune over the loan term," he said. However, he urged borrowers to check the exit (early payout) fees of non-bank lenders, which could be as high as 2.5 per cent of the original amount. That would be an exit fee of up to $5000 on a $200,000 loan . Non-banks could not match the majors on features and their exit fees were often higher to discourage existing clients from switching . "Bells and whistles" attached to big bank home loans attracted new customers wanting the total banking package, which could involve fee-free banking and discounts on other products, such as personal loans, margin loans and insurance. In the meantime, borrowers can afford to relax about official interest rates, which analysts expect to remain steady, possibly well into next year. With the housing market slowing down and inflation still moderate, the RBA is tipped to stay on hold at least until its first board meeting in 2005, scheduled for January. Concerns over the high price of oil may force an increase some time after that - but any move is expected to be small. ÔĶÁÈ«ÎÄ | ÆÀÂÛ(0) | ÒıÓÃ(0) jr05 @ 2004-11-08 19:27 | ±à¼­ 2004-11-08 19:11 - [ ĬÈÏ·ÖÀà ] ÖصãÀíÂÛ ÓúìÉ«±ê³ö ·Ç³£Í¬Òâ ÓÃÂÌÉ«±ê³ö ¸öÈË·´¶Ô ÓÃÀ¶É«±ê³ö 'Generation credit' consumers Money Maker By Stephen Simoni November 6, 2004 For the credit-swamped generation Y, creating wealth for the long term can seem like a pipe dream. But smarter debt management may be the answer. Thanks to easy credit and a climate of competitive consumerism, Australia's young people are in financial trouble. A 2003 survey by the NSW Office of Fair Trading found those aged 18 to 24 had an average debt of $3000-plus. For those with credit cards it was $6000. If you are a member of generation Y (aged between 13 and 28 ) chances are you will be familiar with the vicious cycle of credit. It begins with peer pressure to buy something, transforming "wants" into "needs" that, in turn, establishes a growing appetite for spending, satisfied only by more credit. Banks, credit card operators, mobile phone companies and department stores are among the winners. It is not all doom and gloom, however. To break the cycle, you need to pay off your debts faster by repaying more than the specified minimum monthly amounts (assuming there's no penalty or fee for early repayment). It makes sense to prioritise your debts, too. This means paying off more on the debts that have a higher interest rate before turning your attention to making extra repayments on other debts . Still not convinced? Well, let's look at the numbers. Take a typical personal loan of $15,000, with a fixed interest rate of 12.17 per cent over a five-year term. Minimum monthly repayments are $335. If you stick to the minimum repayments, you end up paying $5099 in interest, for a grand total of $20,099. Let's assume for a moment that you also have access to some surplus cash. This might be in the form of an interest-free loan from a close family member, an asset you could sell and convert into cash, or money in a regular savings account you use for daily transactions. Now, assuming you are on a personal income tax rate of 30 per cent, any surplus cash would need to earn 17.39 per cent a year to compete with the after-tax interest rate charged on your personal loan. That's a big ask for any investment. The point is, you are better off using any surplus cash to pay off your non-deductible debt (that is, loans with no tax benefit such as personal loans and credit cards) faster . It's unlikely you will get a better rate of return elsewhere and paying off your loan directly involves much less risk. So, how much more would you need to pay to make a difference to your debt? Well, as the table shows, an extra $100 a month, will save you $1546 in interest. Repaying an extra $200 a month would save you $2361. The beauty of making extra repayments is that as well as saving interest you get yourself out of debt faster. Based on our example, paying an extra $100 a month clears the debt in just over 31/2 years. Paying an extra $200 a month clears it in less than three. The difficulty is finding the cash to make the extra payments . It sounds boring, but the best way to get out of debt is to budget . This does not have to involve dozens of spreadsheets and hours hunched over a calculator. Start by collecting receipts for everything you buy and putting them on a metal spike when you get home. At the end of the month, tally your purchases and separate the essential and non-essential items. Use your bank statements, too. Working out where the money comes in and flows out is the first step in identifying savings and taking control of debt. Saving 100 per month is relatively easy - it's just $4 per day . Grab a snack to take to work or uni instead of buying lunch . Mobile phones can be another financial black hole . Check your plan and work out when your calls are more affordable or free. Also, if you're lucky enough to receive a pay rise, it's a good opportunity to commit the extra money to savings. To save more than $100 a month, you may need professional financial help . Stephen Simioni is a certified financial planner with Mercer Wealth Solutions ÔĶÁÈ«ÎÄ | ÆÀÂÛ(0) | ÒıÓÃ(0) jr05 @ 2004-11-08 19:11 | ±à¼­ 2004-11-08 18:39 - [ ĬÈÏ·ÖÀà ] ½ñÌìÉϳ¬ÊĞÂòÁËËÄÎåÖÖ²»Í¬ÀàĞ͵ÄÃæʳ£¬´óÖÂÓĞ¿íÃ×·Û£¬ÊİÃ×Ïߣ¬¿í¼¦µ°Ã棬Êݼ¦µ°Ã棬ÉϺ£ÌÀÃ棬ÁúĞëÃæ¡£¾ö¶¨Òª³ÔÒ»¸ö½×¶ÎµÄÃæʳ£¬¿´»á²»»áÊİÏÂÀ´£¬ÓÚÊÇÕâ¶ÎʱÆھͳË×øÃæÌõʱÆÚ°É£¬¸ú֮ǰһ¶ÎµÄÃ×·¹Á½²ËʱÆÚÒ£ÏàºôÓ¦¡£ »ØÀ´³ÔÁËÒ»ÕûÌìµÄTOM YUM NOODLE SOUP£¬Ó¦¸ÃÊÇÌ©¹úÈ˵ijԷ¨°É£¬µ«ÊÇ·¢ÏÖÕâÔ½ÄÏÈ˵Ľ´ÁϵÄÈ·ÊDz»´í¡£TOM YUMÃæµÄ»°£¬¸öÈËÈÏΪһ¶¨ÒªÃ×·Û»òÕßÃ×ÏßŪÀ´²ÅºÃ³Ô£¬ÒªÊÇ»»Á˵°Ã棬¼¦µ°µÄζµÀºÍTOM YUMÒ»¶¨»á»¥ÏàµÖ´¥¡£ÓĞÒ»µãTIPÆäʵÊǸöÈË¿Ú棬¾ÍÊÇÒ»¶¨Òª¼Óµã¶¹Ñ¿Ïã²Ë£¬Ï²»¶ÄûÃʵĻ°µÎÒ»µãÄûÃÊÖ­¸üºÃÁË¡£ ´òËãÃ÷Ìì³´Ã棬×öÂíÀ´ÈËÄÇÖÖ³Ô·¨£¬ÓÃSATAY»òÕßÌğÀ±½´×öµ×£¬³´ºÃÖ®ºó¼ÓÕ¨Ñó´Ğ¡£ ÄÇôºóÌì¾Í³Ôº£Ì¦¼¦µ°Ã棬´óºóÌì×öÓãÍ躣ÏÊÉϺ£ÌÀÃæ¡­¡­ Ï£Íû³ÔÃæÄܶôÖÆÎÒ²»Òª·¢ÅÖÏÂÈ¥¡£ ÔĶÁÈ«ÎÄ | ÆÀÂÛ(0) | ÒıÓÃ(0) jr05 @ 2004-11-08 18:39 | ±à¼­ 2004-11-07 18:40 - [ ĬÈÏ·ÖÀà ] ¼òµ¥ËµÒ»Ï¡£ ¿´À´³ıÁËSEBASTIANÖ®Í⣬¸£ÌصÄMARKKO MARTINÊÇWRCÀïÃæ×îÀ÷º¦µÄ½ÇÉ«ÁË¡£³µÌ¥Ñ¡ÔñÕıÈ·µÄȷΪËûÔÚÕâÒ»Õ¾µÄ±ÈÈüÖĞÌṩÁËÓÅÊÆ£¬µ«ÊÇæµÊìµÄ¼¼ÊõºÍ¾­ÑéËƺõÒ²ÊǷdz£ÖØÒªµÄÔ­Òò¡£ ÎÒµÄżÏñ£¬ÀϽ«Èü¶÷˹ÔÚ×Ô¼ºµÄ×æ¹úÈ¡µÃµÚÈıÃû£¬¿´ÆğÀ´ËƺõËûÕæµÄÒªÍ˳öWRCµÄ±ÈÈüÁË£¬Ï£ÍûËûһ·×ߺᣠÍæÁËÒ»ÏÂWRC3£¬·¢ÏÖÆäʵÎ÷°àÑÀºÍ·¨¹úÕ¾µÄ±ÈÈüÓ¦¸Ã»á±ÈÇ°ÃæµÄÒªºÃ×ßĞí¶à£»²»Í¬µÄÊÇÓкܶà·¶ÎÊǻᱻ·¿öÆÛÆ­µ½£¬Ò²Óв»ÉÙÖ±Í䣬»¹ÓоÍÊÇ·Á½±ß»áÓйµÛÖ£¬Èç¹û²Ù×÷ʧÎóµôÏÂÈ¥µÄ»°£¬ÇáÔòµ×Å̻ᱻ¹Îµ½£¬ÖØ×ÅÕû¸ö³µÉí¶¯µ¯²»µÃ¡£ COLIN MCRAEÔÚ×îºóÒ»¸öSSÊÔ¼İÁËSKODAµÄFABIA£¬¿´ÆğÀ´Ï¸öÈü¼¾Ëû»áºÍSKODAÇ©Ô¼£¬ÀϽ«¹éÀ´£¬ĞÎÊƻ᲻»áÓÖÊÇÒ»·¬¾°ÏóÄØ£¿ ÏÂÒ»Õ¾ÊÇÕâ¸öÀñ°İµÄÖÜÄ©ÔÚÎ÷°ÄPERTHµÄ±ÈÈü£¬ÎÒÕæÓôÃÆΪʲôÎÒ²»Ñ¡ÔñÔÚPERTH¶ÁÊéÄØ£¿£¡£¿£¡ ÔĶÁÈ«ÎÄ | ÆÀÂÛ(0) | ÒıÓÃ(0) jr05 @ 2004-11-07 18:40 | ±à¼­ 2004-11-06 22:42 - [ ĬÈÏ·ÖÀà ] ¹ş¹ş£¬Ê²Ã´¶¼²»Ëµ£¬³¹µ×ÈÕ·¶£¬ÓĞTOWA TEIÄÇÖָоõÁË¡£ ÔĶÁÈ«ÎÄ | ÆÀÂÛ(0) | ÒıÓÃ(0) jr05 @ 2004-11-06 22:42 | ±à¼­ 2004-11-06 21:59 - [ ĬÈÏ·ÖÀà ] There are DJs who turn up, play records and make people dance. And there are producers who make the dancefloor-igniting records those DJs will kill for. There are very few people in dance music who can do both and Sasha is the leader of the pack. Ever since he rode in on a tidal wave of adoration from the North of England's explosive early 90s club scene, that magic touch has made Alexander Coe one of the most famous, most revered DJ on the planet. It's because of what he can do with music - the way he can make good records sound better, great records sound awesome, and everything he plays into his own. The way his mixes take elements from across the spectrum of electronic dance, from trance, breaks, progressive and deep house, and create a languidly hypnotic liquid groove. The way his understanding of both melody and momentum can tease, taunt, and en-trance a dancefloor before unleashing a record that will have people not just leaping up and down but bursting with emotion. The best DJs know that Djing is first about being able to read people and then about being able to tap into that human experience and take it on a journey. Sasha has always been noted for being a master at this and it is this universal appeal that he has tapped into that has established his strong fanbase around the globe. Do not be mistaken, this kind of recognition does not happen overnight. Born and raised in a small town in Wales, Sasha was exposed to Motown records when he was just a baby and it was in the home that his talent for playing the piano was developed. His stepmother forced him to take lessons. At the time, he hated them, but after his first studio session - and this is typical Sasha - he phoned her to say thank you. His first exposure to house music was at Manchester's Hacienda; just as dance music exploded into the summer of love. One visit and the young pony-tailed Sasha was hooked. "The smoke machine, the strobe lights, everyone trance dancing, wearing bandanas and smiley T-shirts," he smiles now. "It definitely had a fuck-you attitude compared to the rest of pop music." This impact encouraged his move from Wales to Manchester. His first exploration into Djing was when a DJ in a local pub announced he was looking for people to play club dates. Sasha volunteered and now says that he 'had about 30 records and basically just blagged it'. After honing his deck technique, Sasha's first big break came when he was offered a residency at Stokes legendary club Shelly's. When all the other DJ's were playing US House, Sasha's style was much more uplifting, and he encapsulated clubbers with his mixture of piano led Italian House whilst playing acapella tracks over the top. This combination alongside a wide variety of anthems kept dancefloors full and elevated Sasha to hero status. And, lets not forget, in a world where the DJ had too often been bespectacled nerds, here the headline DJ had the looks and charm to match his growing following. In classic rock n' roll style, here was a star that boys wanted to hang out with and girls wanted to get just that little more bit close to. Shelly's was the launch pad for the residency at Renaissance, where Sasha created his niche and helped forge a new style in UK house music. At Renaissance two major things happened; Sasha mixed the first ever UK DJ mix album and he met John Digweed which cemented the partnership known as 'Northern Exposure'. Sasha and John have played together on five continents, have mixed 3 'Northern Exposure' albums which have sold to over 1 million people worldwide. This special brother like relationship that Sasha and Digweed have on the decks, is what landed them the monthly residency at New York's "Twilo", following in the footsteps of Vasquez and Tenaglia. The first DJ cover star - on Mixmag in early 1991 - the still shy DJ was freaked. "I was so used to going to places and just hanging out. Suddenly there was a stream of people coming up," he recalls. "Of course it's bound to happen. You go to Liverpool and you're the first 'pin-up' DJ and you're going to get shit. Frankly, It still weirds me out." Today he still remains shy at heart. "I'm not very good in social situations where I'm put on the spot," he says. "Like meeting new people, small talk. Just never been good with that." It's this contradiction - the coyness that Alexander Coe has when it comes to being Sasha, that's at the core of the Sasha myth. Although Sasha has clearly reached a celebrity status, it's his generous personality, his love for his peers and of course his completely candid humour that has enabled him to maintain such a likeable high profile in the often-fickle world of club culture. Sasha has gone from DJ to superstar status in America, where 'Sarsha' is a household name for many teenagers - a gruelling three month tour took their sound further out into deepest America, preaching a gospel of repetitive beats and imaginative mixing from coast to coast, and right through the mid western heartland of the States. A punishing gig-a-night schedule that must make nights like the opening of Space in Ibiza in June seem like a holiday by comparison. There followed a move back into releasing his own music, collaborating with the former Underworld mainstay, DJ Darren Emerson on 'Scorchio'. For Sasha, music is his first love, and what gives him a buzz is being able to share his music with others. Soon after 'Scorchio' came the first concrete proof of the long-awaited, debut Sasha longplayer. 'Airdrawndagger' took his nose for the dancefloor's g-spot and combined it with the ears for a heartstring strumming melody, a smile inducing hook and dirty great b-line to create a 69 minute symphony that sounds as wistfully enchanting doing the hoovering at home as it does reaching for the lasers on Saturday night. Like the best Sasha DJ set you ever heard, it has melancholy mixed with euphoria, downtempo introspection mixed with jump n' shout excitement. Across the 11 tracks, there's the time and space to reflect his love for music that rarely gets the chance to shine in clubs, whether that's punishingly gnarly breakbeats or glittering modern classical film scores. It's a symphony for all ravers that grew up but never grew out of chasing that buzz. A record of a journey that began, as so many did, in the smoke and strobes of Manchester's Hacienda nightclub and has now taken him to Midwestern stadia and around the globe. And that's an award-winning journey. The Delta Heavy Tour that consisted of Sasha, John Digweed and Johnny Van M and took in 35 gigs between March and May last year was recently awarded Best Dance Event at the Dancestar Awards 2003. It was a series of gigs that took DJing into unprecedented waters - two mammoth tour buses, visuals by the company behind hit movie 7even's intense opening credit sequence, and crowds of up to 15,000 clubbers crammed into arenas, warehouses and theatres across the United States. The success was such that Sasha and the boys will be back on the road to do it all again, bigger, better, badder come Spring next year. After a summer of dates across the globe, including sets at Homelands, Creamfields, Dance Valley, and hosting a stage in the forest of the Mount Fuji Festival, Sasha has been in the studio again, working on new plans and ideas, and most recently remixing the forthcoming UNKLE single. Expect a few surprises over the coming months, for the man simply refuses to stand still. http://sasha.m-audio.com/ ÔĶÁÈ«ÎÄ | ÆÀÂÛ(0) | ÒıÓÃ(0) jr05 @ 2004-11-06 21:59 | ±à¼­ ·ÖÒ³: [1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] ×îºóÒ³ Ä£°åÉè¼Æ£º zhou